Credit union · NCUA insured
Access Federal Credit Union Auto Loan Rates
Top CarrotAccess Federal Credit Union auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Access Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Utica, NY, where Access Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
Vehicle Loans - Model Years 2024 and newer
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
3rd-lowest rate
Remington Federal Credit Union
4.25%APR
- Terms
- 55–66 months
Access Federal Credit Union auto loan score
94
Auto loan score
Higher than 96% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Access Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic/Antique Cars - 30 years old or older
Classic/Antique Car Appraisal Required. Rates and terms are determined by member's overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–72 months | 5.24% | Classic/Antique Car Appraisal Required. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 73–84 months | 6.74% | Classic/Antique Car Appraisal Required. $25,000 Minimum for terms over 72 months. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
Sources (1)
- accessfcu.org/home/rates-fees/loans · captured Oct 7, 2026
Harley-Davidson Motorcycles - New and Used
Rates and terms are determined by member's overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–72 months | 5.24% | Model Years 2024 and newer. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 1–48 months | 6.24% | Model Years 2021 - 2023. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 1–24 months | 7.75% | Model Years 2020 and older. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 25–36 months | 8.00% | Model Years 2020 and older. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
Vehicle Loans - Model Years 2020 or older
Rates and terms are determined by member's overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–24 months | 7.75% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 25–36 months | 8.00% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 37–48 months | 8.25% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 49–60 months | 8.50% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 61–66 months | 8.75% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
Vehicle Loans - Model Years 2021-2023
Rates and terms are determined by member's overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.74% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 49–60 months | 4.99% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 61–72 months | 5.49% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
Vehicle Loans - Model Years 2024 and newer
Rates and terms are determined by member's overall credit history and are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 3.99% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 49–60 months | 3.99% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 61–72 months | 3.99% | Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
| 73–84 months | 5.24% | $25,000 Minimum for terms over 72 months. Rate is as low as stated. Rates and terms are determined by member's overall credit history. |
Who can join Access Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in the City of Oneida or Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, or Otsego County are eligible to join.
Employers and groups
- Businesses and organizations located within the eligible service area are eligible to join.
Family and household
- Immediate family members of any ACCESS Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.